The new four-year National Solidarity Bond is now on sale in post offices across the State. The bond, which has been designed with individual savers in mind, pays a gross return of 15 per cent over four years and has a net return 13.92 per cent which works out an at AER of 3.31 per cent. There are no fees, charges or commissions attached to its purchase and savers can cash them in at any point of the four-year period. All the money invested is placed in the hands of the State under the management of the National Treasury Management Agency.